Legal Question in Real Estate Law in New Jersey

Don't trust a company that has contacted you and is asking you for money to help you do this. If it's the company that already holds your mortgage and to whom you are supposed to be making the payments, maybe it will work out, but you would be better off if you had a lawyer in your corner. If you have a low enough income, you may be eligible for low-or-no fee legal services, if they are available in your area for mortgage foreclosure alternatives. Look into that. And good luck.

THIS RESPONSE IS NOT LEGAL ADVICE, SINCE I DO NOT HAVE ALL OF THE INFORMATION THAT WOULD BE REQUIRED, AND I DO NOT HAVE A REPRESENTATION AGREEMENT WITH YOU.

* If the answers to your question confirm that you have a valid issue or worthwhile claim, your next step should almost always be to establish a dialog with a lawyer who can provide specific advice to you. Contact a lawyer in your county or township.

* Another reason for contacting a lawyer is that it is often impossible to give a good answer in the Internet Q&A format without having more information. The unique circumstances of your situation and things that you may not have thought to mention in your question may completely change the answer. If you want to be sure that you have a complete answer to your question and an understanding of what that answer means, establish a connection with a lawyer who practices in the area of your concern.